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Got TU to remove BK7 and BK13, how do I dispute IIB accts now?
teufel posted a topic in Credit Forum
I have a BK13 that was dismissed due to divorce and a BK7 that's been discharged after the fact. After my BK7 was discharged in 2010, I decided to dispute the BK7 on my reports because there was inaccurate information about the BK's even though I did in fact file for BK. TU was the only CRA to immediately delete my BK's from my reports, which I was happy with to start. I'm working on this report and wondering how I should dispute the accounts that were actually included in the BK. Should I dispute them as "Not Mine" or "Inaccurately being reported" or something of that sort? I don't want TU to try to locate and validate the BK and put it back on my report as all my accounts that were included state they're scheduled to report until 2015 - 2017 at the latest and then they'll drop off, which is okay I guess, but at the same time, I want this over ASAP, of course. I know I'm probably pushing my luck though. Some of these accounts are being reported incorrectly with incorrect balances and showing "charged off", or late payments even though I've never had a late payment in my life. I thought once I filed the BK, the OC couldn't try to collect funds and I was protected by the BK laws. I would think they can't report me as late at that point as long as I was up to date with all my payments as of the day I filed, which was the case. Any advice on how to dispute these accounts would be greatly appreciated.. or if I'm just plain outta luck and shouldn't even attempt to do anything Thanks!